Murniati earned her degrees in Islamic accounting from International Islamic University of Malaysia (undergraduate), University of Indonesia (postgraduate), and University of Glasgow, United Kingdom (doctoral). She was awarded with distinguished scholarships to support her studies. She is married to Dr. Luqyan Tamanni and they have three children: Layyina Humaira Tamanni, Hayyan Hani Tamanni and Rayyan Ayman Tamanni.
Murniati has working experiences in banking, financial and IT services i.e. Unibank – Jakarta, Ernst & Young – Kuala Lumpur, and ANSI Berhad – Selangor, Malaysia. Murniati then started her career as a lecturer in Islamic Accounting and Finance in 2002 and she is currently Islamic Accounting certified. She became Affiliate Staff at University of Glasgow after completing her PhD in 2014 and then joined Essex Business School, University of Essex, Colchester, UK from 2015 to 2017. She sits on Editorial Advisory Board for an Emerald Journal of Islamic Accounting and Business Research – UK, Journal of Muamalat and Islamic Finance Research – Malaysia, and Turkish Journal of Islamic Economics. For research, Murniati works on critical perspective of research in the areas of financial reporting, Islamic accounting, Islamic banking and finance, and Islamic financial literacy. Murniati is currently a Rector, Tazkia Islamic University College, Bogor, Indonesia. She is a team head for Islamic Accounting Compartment – Indonesian Institute of Accountants (IAI), and a consultant for Bank Indonesia (BI), Financial Services Authority (OJK), National Islamic Economics and Finance Committee (KNEKS). She is also appointed as a Shariah Expert at BRI Corporate University, Expert Member of Indonesian Association of Islamic Economics (IAEI), Board Member of Indonesian Economist Association (ISEI), and Advisor to Association of Islamic FinTech Indonesia (AFSI).
Murniati is also a public speaker and motivator. Together with her husband, Dr. Luqyan Tamanni, M.Ec, CFP, Murniati authored an inspirational book called Sakinah Finance that concerns about Islamic family finance. They conducted several talk shows and trainings based on Sakinah Finance in several cities in Indonesia, UAE, UK, USA, Canada, Japan, Turkey, Germany, Qatar, Saudi Arabia, Spain, Australia, Brunei Darussalam, France, Malaysia, Egypt, Pakistan, Philippines, Bahrain and Russia. She is also an active columnist in national and internasional media such as Republika, Majalah MySharing, Islampos, Suara Islam, Hidayatullah, Majalah Gontor, detik.com, Kompas, IFN News, and ISFIRE-UK. Her research papers and activities are available at https://tazkia.ac.id/dosen/dr-murniati-mukhlisin-m-acc/ and https://www.sakinahfinance.com/